Thanks for the info, WalMartGal--I was hoping you'd respond to that post.  After the waiting period, can you still use vacation/sick/personal time too?  I thought you couldn't use both, which is why I never filed for STD.  And I pay for both STD and LTD.  I was out of work for 10 weeks over a year's time, and was able to use my accrued hours to cover most of it.

 

Mad